Miami, FL
How exposed is Miami to wildfire?
USFS's Wildfire Risk to Communities model puts Miami at the 65th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 73,231 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Miami's burn probability — fire likelihood with no building count factored in — sits at the 68th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 97.1% of Miami's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 2.9% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one. At 73,231 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Miami ranks
Inside Florida, Miami sits at just the 20th percentile even though it scores 65th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Miami ranks 10,960 for wildfire risk (1 is highest) and 103 by building count (1 is largest). Within Florida alone, it ranks 766 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Miami
Miami's 65th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
With 97.1% of buildings rated Minimal exposure, Miami gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Every one of the two percentiles behind Miami's 10,960-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Miami, see the exposure-zones guide.